Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac CTS-V are $1,078 every 12 months for full coverage insurance. Comprehensive costs an estimated $220 each year, collision costs $320, and liability costs $402. A policy with only liability insurance costs as little as $446 a year, with a high-risk policy costing around $2,320. Teens pay the most at $4,122 a year or more.
Average premium for full coverage: $1,078
Premium estimates broken down by type of coverage:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and CTS-V models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac CTS-V go from the cheapest price of $446 for minimum levels of liability insurance to a high rate of $2,320 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine insurance prices.
These rate differences illustrate why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates estimated Cadillac CTS-V insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $637
- Drivers who choose higher $1,000 deductibles will pay approximately $122 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,078
- Selecting low deductibles for comprehensive and collision insurance increases the price to $1,314
- Drivers with serious driving violations could pay up to $2,320 or more
- An auto insurance policy to insure a 16-year-old driver can cost as much as $4,122 a year
Car insurance prices for a Cadillac CTS-V also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $360 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Cadillac CTS-V insurance prices. A 40-year-old driver could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,460 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $976 | -$102 | -9.5% |
| Alaska | $828 | -$250 | -23.2% |
| Arizona | $896 | -$182 | -16.9% |
| Arkansas | $1,078 | -$0 | 0.0% |
| California | $1,230 | $152 | 14.1% |
| Colorado | $1,028 | -$50 | -4.6% |
| Connecticut | $1,108 | $30 | 2.8% |
| Delaware | $1,218 | $140 | 13.0% |
| Florida | $1,346 | $268 | 24.9% |
| Georgia | $998 | -$80 | -7.4% |
| Hawaii | $774 | -$304 | -28.2% |
| Idaho | $730 | -$348 | -32.3% |
| Illinois | $802 | -$276 | -25.6% |
| Indiana | $814 | -$264 | -24.5% |
| Iowa | $728 | -$350 | -32.5% |
| Kansas | $1,024 | -$54 | -5.0% |
| Kentucky | $1,470 | $392 | 36.4% |
| Louisiana | $1,596 | $518 | 48.1% |
| Maine | $666 | -$412 | -38.2% |
| Maryland | $890 | -$188 | -17.4% |
| Massachusetts | $860 | -$218 | -20.2% |
| Michigan | $1,872 | $794 | 73.7% |
| Minnesota | $902 | -$176 | -16.3% |
| Mississippi | $1,292 | $214 | 19.9% |
| Missouri | $956 | -$122 | -11.3% |
| Montana | $1,158 | $80 | 7.4% |
| Nebraska | $848 | -$230 | -21.3% |
| Nevada | $1,292 | $214 | 19.9% |
| New Hampshire | $778 | -$300 | -27.8% |
| New Jersey | $1,206 | $128 | 11.9% |
| New Mexico | $954 | -$124 | -11.5% |
| New York | $1,136 | $58 | 5.4% |
| North Carolina | $622 | -$456 | -42.3% |
| North Dakota | $884 | -$194 | -18.0% |
| Ohio | $744 | -$334 | -31.0% |
| Oklahoma | $1,104 | $26 | 2.4% |
| Oregon | $988 | -$90 | -8.3% |
| Pennsylvania | $1,028 | -$50 | -4.6% |
| Rhode Island | $1,438 | $360 | 33.4% |
| South Carolina | $978 | -$100 | -9.3% |
| South Dakota | $910 | -$168 | -15.6% |
| Tennessee | $944 | -$134 | -12.4% |
| Texas | $1,300 | $222 | 20.6% |
| Utah | $800 | -$278 | -25.8% |
| Vermont | $734 | -$344 | -31.9% |
| Virginia | $646 | -$432 | -40.1% |
| Washington | $832 | -$246 | -22.8% |
| West Virginia | $988 | -$90 | -8.3% |
| Wisconsin | $744 | -$334 | -31.0% |
| Wyoming | $960 | -$118 | -10.9% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $332 | $634 | $388 | $1,490 |
| 2017 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2016 Cadillac CTS-V | $286 | $490 | $394 | $1,306 |
| 2014 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2013 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2012 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2011 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
| 2010 Cadillac CTS-V | $214 | $288 | $398 | $1,036 |
Rates are averaged for all Cadillac CTS-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheap Cadillac CTS-V Insurance
Finding better rates on insurance for a Cadillac CTS-V not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a brief summary of the coverage data covered in the charts and tables above.
- It is possible to save approximately $130 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $350 each year
- Youthful drivers have the highest car insurance prices, with premiums being up to $344 per month if the policy includes full coverage
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,240 more annually than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,122 |
| 20 | $2,458 |
| 30 | $1,112 |
| 40 | $1,078 |
| 50 | $988 |
| 60 | $968 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,314 |
| $250 | $1,208 |
| $500 | $1,078 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,078 |
| 50/100 | $1,158 |
| 100/300 | $1,259 |
| 250/500 | $1,520 |
| 100 CSL | $1,199 |
| 300 CSL | $1,420 |
| 500 CSL | $1,581 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,852 |
| 20 | $3,914 |
| 30 | $2,358 |
| 40 | $2,320 |
| 50 | $2,212 |
| 60 | $2,192 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $57 |
| Multi-vehicle | $57 |
| Homeowner | $17 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $44 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
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